Can I Get a Loan Against My Tax Refund?

You could wait patiently for your tax refund during tax season. It’s part of the process, right? And, while you are waiting, life is happening. There are bills due and unexpected expenses to pay. If unexpected events come up, you may be wondering, “is there a faster way to get access to money?”

We understand the impact any delay on your refund may have on your finances, and that’s why we offer Refund AdvanceDisclaimer number109. Scroll to bottom of page. at H&R Block. With an interest-free loan on your tax refund through H&R Block, you could receive up to $3,000 the day you file your return.

What is a tax advance loan, exactly? A refund advance at H&R Block is an ideal way to get money sooner and not have to worry about the time it takes the IRS to issue your refund. While the money is not your actual refund, this type of loan is repaid from your refund.

Tax Advance Loan Fact vs. Fiction

If a loan of up to $3,000 against your tax refund sounds too good to be true, you may be wondering what’s the catch? And, seriously, who offers such a generous tax advance loan? Take a look as we uncover the facts behind the Refund Advance loan that is offered in H&R Block tax offices. Spoiler alert — it is the real deal.


Fiction – It will take a long time to get approved and receive a tax advance loan.

Fact – You could receive your Refund Advance the same day you file. You’ll leave our office with an H&R Block Emerald Prepaid Mastercard® and approved applicants will be notified by text or email when the loan amount is loaded to the card — typically the same day.


Fiction – It is probably only a limited number of people who get approved.

Fact – While not everyone is approved, the Refund Advance loan program at H&R Block has high approval rates. To be approved, you must pass certain eligibility requirements (such as ID verification and a sufficient refund amount), and then the lender’s underwriting requirements.


Fiction – My credit score will be affected if I apply for a Refund Advance loan.

Fact – As part of the application process, Axos BankTM (the lender for Refund Advance) will review your credit report, but the review does not impact your credit score. So, you can apply for a Refund Advance without worrying about any impact to your credit score.


Fiction – There will be a cost to apply for the tax advance loan.

Fact – There are no fees to apply. Plus, the money you receive is yours at 0% interest. Really!


Refund Advance and Much More at H&R Block

If you are still wondering if you can get a loan against your tax refund, visit one of our tax offices for more information. And when you choose us to file your return, you can trust you’ll always get your maximum refund — guaranteed.Disclaimer number84. Scroll to bottom of page.

Who else offers tax advance loans and tax expertise backed by more than 60 years of experience? No one but Block.

Make an appointment soon. This offer ends February 28, 2019.

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